Capital One, National Association

Overview

General Bank Information

FDIC Insured

Yes

FDIC Certificate

# 4297

Date Established

1933

Assets

$290.65 billion

Loans

$155.77 billion

Deposits

$224.96 billion

Capital

$37.76 billion

Capital One, National Association is an FDIC insured institution located in Mclean, VA. It was founded in 1933 and has approximately $290.65 billion in assets.
Customers can open an account at one of its 855 branches.

For a more detailed analysis of Capital One, National Association's financial condition and a description of what these numbers mean, please visit the Financial
Details section.

Bank Loan Profile?

The top three loan types in Capital One, National Association’s loan portfolio are Consumer Auto Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Virginia, Capital One, National Association has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Capital One, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia

Capital One, National Association Locations

Financial Details

Capital One, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital One, National Association.
The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

Capital One, National Association

U.S. Bank Average

4.32%

8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned)
with its the bank’s tangible common equity and its loan loss reserves.
A lower Texas ratio indicates better coverage of problem loans.
The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank
has to absorb its loan losses.

As of September 30, 2017,
Capital One, National Association had $1,697,397,000 in non-current loans and $39,126,000 in owned real estate.
To cover these potential losses it had $37,756,429,000 in equity and $2,394,995,000 in loans loss reserves.
That gives it a Texas Ratio of 4.32%.

Return on Equity

Capital One, National Association

U.S. Bank Average

3.22%

8.84%

Capital One, National Association has a Return on Equity of 3.22% versus the BestCashCow average of 8.84%.
Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run.
A bank with a consistently low ROE can be considered poorly run.

Capitalization

Capital One, National Association

U.S. Bank Average

12.99%

12.21%

Capital One, National Association has a Capitalization of 12.99% versus the BestCashCow average of 12.21.
Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet.
The higher the capitalization number the more secure a bank is considered.

Capital One, National Association Balance Sheet Analysis

As of December 31, 2017,
Capital One, National Association had assets of $290,651,177,000, loans of $155,768,094,000, and deposits of $224,963,305,000.
Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets.
Loan and asset growth may rise or fall depending on a bank's strategy for growth.
Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending.
A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS

Cash & Balances due from depository institutions

$56.32 billion

Interest-bearing balances

$53.50 billion

Total securities

$48.68 billion

Federal funds sold and reverse repurchase

$0.00 billion

Net loans and leases

$155.77 billion

Loan loss allowance

$2.39 billion

Trading account assets

$0.86 billion

Bank premises and fixed assets

$0.00 billion

Other real estate owned

$0.04 billion

Goodwill and other intangibles

$14.81 billion

All other assets

$11.68 billion

Total Assets

$252.89 billion

LIABILITIES

Total deposits

$224.96 billion

Interest-bearing deposits

$198.13 billion

Deposits held in domestic offices

$224.59 billion

% insured (estimated)

74.00%

Federal funds purchased and repurchase agreements

$0.58 billion

Trading liabilities

$0.42 billion

Other borrowed funds

$21.02 billion

Subordinated debt

$0.00 billion

All other liabilities

$5.92 billion

Total Liabilities

$252.89 billion

Shareholders’ Equity

$37.76 billion

Summary Income Statement

INCOME AND EXPENSES

Total Interest Income

$11.98 billion

Total Interest Expense

$1.72 billion

Net interest income

$10.26 billion

Provision for loan and lease losses

$2.08 billion

Total non interest income

$5.49 billion

Total non interest expense

$10.98 billion

Pre-tax Net Operating Income

$2.68 billion

Frequently Asked Questions About Capital One

Branches and Savings

Is Capital One FDIC insured?

Yes. It is covered under FDIC Certificate #4297.

Why does Capital One pay such low interest on savings accounts?

See the best online savings rates here.
See the best local savings rates here.

Remember When...

September 21, 2017 |

Savings
Rates

They made a mistake on my account and now can not fix it the error the Teller made. Want me to be happy with a paper copy explanation that counter-explains their online error. DO NOT TRUST THIS BANK TO BE ABLE TO FIX THE PROBLEMS THEY CREATE WITH YOUR MONEY AND RECORDS